What should I do if I am contacted by a debt collector?

If you are contacted by a debt collector in Florida, there are several steps you should take to protect yourself and your finances. First, verify the debt is yours. Ask the debt collector for written proof such as an original bill or invoice. You should also make sure the debt is not too old. In Florida, debt collectors are not allowed to collect on debts that are more than five years old. Second, know your rights. Debt collectors are limited in what they can say and do. In Florida, they cannot threaten you, use violence, or falsely represent themselves. You also have the right to dispute any debt that is in dispute, inaccurate, or not yours. Third, know how much you owe. Debt collectors are required to provide you with a written statement of the debt along with information about how to dispute it. You should never agree to pay more than you can actually afford. Fourth, discuss payment options. In Florida, debt collectors must provide you with a payment plan if you cannot afford to pay the debt in full. You can also offer to settle the debt for less than you owe. Finally, keep records. Always get the name, address, and phone number of the debt collector and keep a written record of all your conversations. You should also make sure to keep copies of any agreements you come to. By taking these steps, you can protect yourself and your finances if you are contacted by a debt collector in Florida.

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What should I do if I am contacted by a debt collector?

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